Breakdown Cover for a few months?

Jlawson118

Is it possible to purchase breakdown cover for the sake of a few months?

I'm currently with the AA and just realised my renewal will be at some point in November. But I'm in need of a more reliable and practical car now and that was going to be my next investment just after the new year.

Unfortunately my grandad is very ill and has recently been told he doesn't have long left to live. He's giving me some money towards a new car so I can take my grandma to appointments and shopping and things like that, and my grandma also has money locked in an ISA until the end of next month which she's also said she's going to give me towards one. They both want me to get a brand new one but I've decided either that or one of those 'Nearly New' ones after I've had nothing but trouble with my current six year old car despite it having low mileage when I bought it. I've spent a fortune having repairs done to it all year.

I'm thinking that the chances are if I get either new or nearly new, usually they come with a year's free breakdown cover or warranty. And so I feel like there's no real point in me paying for a year's breakdown cover if I'm only going to have the car for around two or three months after renewal.

I'm considering upgrading my Halifax to Ultimate Reward or First Direct to First Directory which include breakdown cover and the travel & mobile phone insurance which I'd probably get use out of.

But just thinking of breakdown cover, what's the best way to do this? It's probably really simple it's just I've only ever paid for the year

Ebe_Scrooge

I don't know of any particular companies that will offer a policy for just a few months. But it's worth looking at Autoaid ( often recommended on here ). It's an annual policy, but for £43 it's hardly the end of the world if you only make use of it for a few months.


Aside from that, a policy that comes with a packaged bank account may be a good idea, as you suggest. As long as you'd make use of the extras offered, and as long as you consider how the fees ( if any ) compare against buying a stand-alone policy.

Carrot007

Jlawson118 wrote: »

I've had nothing but trouble with my current six year old car despite it having low mileage when I bought it.

The usual error. Low milage is not a good thing. If it's done under 7000 a year for petrol or 12000 a year for diesel then run a mile.

Herzlos

Prersumably the AA will give you some refund based on remaining policy time minus some admin fees.

McKneff

I think they will put it on hold then start it back up when your 'newcar' one runs out. Give them a ring and ask

Jlawson118

Carrot007 wrote: »

The usual error. Low milage is not a good thing. If it's done under 7000 a year for petrol or 12000 a year for diesel then run a mile.

The car is a 61 plate and I got it August 2016 so it's five years old, done just over 29,000 miles when I got it, that's at about 44,300 at the moment. So I've run more than 7000 into it but on average doesn't sound like the previous owners have done so much.

Can I ask why this does cause a problem though? I was talking to a taxi driver about this last night and he mentioned the same thing